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West Ashley Library
9 a.m. - 4 p.m.
Phone: (843) 766-6635
Main Library
9 a.m. - 6 p.m.
Phone: (843) 805-6930
Folly Beach Library
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Phone: (843) 588-2001
John L. Dart Library
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Phone: (843) 722-7550
St. Paul's/Hollywood Library
9 a.m. - 5 p.m.
Phone: (843) 889-3300
Mt. Pleasant Library
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Dorchester Road Library
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Edgar Allan Poe/Sullivan's Island Library
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John's Island Library
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Edisto Library
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Wando Mount Pleasant Library
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Otranto Road Library
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Hurd/St. Andrews Library
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Bees Ferry West Ashley Library
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Phone: (843) 884-9741
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IS RELATIONSHIP LENDING STILL A MIXED BLESSING? A REVIEW OF ADVANTAGES AND DISADVANTAGES FOR LENDERS AND BORROWERS.
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- Author(s): Duqi, Andi; Tomaselli, Angelo; Torluccio, Giuseppe
- Source:
Journal of Economic Surveys; Dec2018, Vol. 32 Issue 5, p1446-1482, 37p, 3 Diagrams, 7 Charts- Subject Terms:
- Source:
- Additional Information
- Abstract: Relationship lending is a common lending technology that is assumed to bring several benefits to small‐medium enterprises (SMEs) and to financial institutions that adopt it. Notably, it could reduce information asymmetries, permitting banks to offer better credit terms to the borrower. However, it also entails some costs for both sides. The empirical evidence so far has not been conclusive in determining under what conditions relationship lending can be beneficial or harmful. Most of the studies suggest that SMEs that engage in relationship lending benefit from more credit availability (especially during a financial crisis), and lower interest rates. This occurs when they are served by small banks, are geographically close to the lender, when the bank is adequately decentralized and when it is the dominant creditor of the firm. However, under certain circumstances, banks can extract rents from the borrower or be captured by him. In addition, the consequences and the future of relationship lending will be remarkably affected by the level of competition among banks, their ownership structure, the regulatory framework and the business model that banks will have to adopt accordingly. [ABSTRACT FROM AUTHOR]
- Abstract: Copyright of Journal of Economic Surveys is the property of Wiley-Blackwell and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)
- Abstract:
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